but still not consider as gov for the tiger

I think we can stop talking about S***** is Spay as the more we shared in this forum or fb, the bank and ewallet take action to kill the goose immediately

affin might not aware of it as they also include those ewallet which can't top up with cc anyway


not just this as well, others like how to indirectly withdraw money from ewallet to bank etc, try not to share openly in the thread rather than pm each other

This post has been edited by tan_aniki: Oct 23 2020, 10:53 AM

the word already mention up there, just don't want combine in the same comment so that bank cannot search it
that S**** got no connection with Spay and it might still qualify as long as it is not gov txn

sometime sharing openly in the thread doesn't mean people appreciate ur work but hate it as well as it will kill the goose faster than before
try share those goodings in min information openly and let ppl pm u instead

qv still good to be my grocery card during cmco

no SST will be charged on reward card for 1st year, only cb card will be charged

as long as it is online e-commerce with OTP and not under exclusion mcc will do

that means you already used up your monthly RM1k cc top up quota

affin duo visa give 3% cash back on:

e-Commerce / Online Transactions
eWallet Reloads / Transactions
Auto-Billing

https://www.affinonline.com/AFFINONLINE/med...orld_TnC_EN.pdf

There is nothing wrong if bank didn't list the so called "ewallet" which still able to perform online top up which also fall under e-commerce/online transaction
The list is only useful such as when you top up TNG whereby sometime i got "Travel MCC" which not qualify for online cb for rhb vs
As for the list, it is protecting user to ensure the "ewallet" is qualify for the cb, even though it is not "online transaction
So if you are still using some "ewallet" which is not listed but still qualify for online transaction, you will still get the cb

anyway the cb credit after statement date, those unpaid outstanding before previous statement also will become statement as well

i won't leave unpaid balance from last statement to next statement lo, spend more RM333 rather than paying extra interest and bad record in eccris

Just RM3k, cos before statement is still outstanding which is RM3k, RM2920 is after statement

This post has been edited by tan_aniki: May 6 2021, 09:44 PM

they force me to cancel my 1st afb cc...

no, i mean the bhp, not AV

need to try out only will know RM2667 get RM80 or RM50 if add up BT or FPP instalment

i seldom use BHP during this pandemic, will utilise JOP RM133.34 first, then follow by citibank RM100 while rhb shell for my wife as i pump bhp, she pump shell

but i will still keep till Nov la, cos already paid SST on Dec
hopefully they reverse the decision

maybe they will revise again if a lot ppl suddenly cancel because of this

just take whatever card that offer in the market and suit ur spending quota cos not all card give unlimited cb

i got around 30 cc which gives online/ewallet cb and i will keep it cos most of them no AF and SST can be waived/rebate
but for sure BHP gonna cancel in Nov and see whether they give me SST rebate or not

yes, same with mine
i already email them and wait for them to credit back on next statement
anyway gonna stop using it after paying the last BT on this card

BHP same to 1/7 as well?

Just pay your full statement and spend RM3k for RM80 (2.67%), unless you got BT or FPP with more then RM333, then you can continue to do RM2667 for RM80, else pls don't waste time on less paying RM333 just to get that extra RM30, for eg:

current June statement = RM2667 - RM80 = RM2587
before due date pay RM2254, balance left RM333
spend another RM2667 and wait for next statement as current outstanding is RM3k, you will get RM3k - RM80 + interest RM15 (30 days) or RM15.97 (31 days), means you only got 2.40% ~ 2.44% cb
Above calculation is based on spending RM2667 one day after your due date.
If you spend RM2667 one day after your statement date, then the interest will be RM41.67 (30 days) or RM41.78 (31 days) and you will end up getting 1.43% ~ 1.44%

remember the daily interest is calculate based on your total outstanding amount, not the balance of your unpaid statement balance

This post has been edited by tan_aniki: May 17 2021, 11:02 PM